Anyone want to join me? Awaiting Mortgage decision...

claire80

claire80 wrote: »

joining in ..

found house and made offer aug 21
went on holiday came back sep 4th - offer accepted
sep 5th - spoke to mortgage people and booked appointment
sep 10th AIP and all documents sent
sep 17th - advised application is with the underwriters

had valuation done on september 27th
received offer in the post on 5th October

Phew !

[Deleted User]

AIP from Halifax 13 September
Sent payslips etc. 17 September
Survey happened 10 October
Got homebuyer's report on 15 October
Have just booked a damp and timber survey for 24 October as the surveyor won't give a valuation until that's done.

I'm not so worried about them knocking money off the offer price as I think I can negotiate down, but terrified that Halifax may put a retention on the mortgage as I can't afford to pay a load more money up front on top of my deposit etc. I had Nationwide do this to me before, and though I understand the reasons, it feels very punitive asking you to pay that money up front and get the repairs the done within 6 months before you can get it back.

FTB_Doll

Made offer - 9th Oct
Application Submitted - 11th Oct
Asked for payslips - 17th Oct

Now we wait :eek:

got fingers, toes everything crossed x

Nelly321

Initial app submitted 11 Oct, AIP 15 Oct just waiting on valuation and homebuyers report to be booked now!!!

Jac517

AIP 11/09/13
offer accepted 13/09/13
mortgage applied 12/10/13
valuation and Homebuyer's report booked for 22/10/13

Good luck everyone

Nelly321

Il rewrite mine lol.. made a mess before

AIP 28/09
Offer accepted 09/10
Mortgage applied 11/10
Mortgage accepted subject to valuation 15/10

Waiting for valuation now

mkmini81

Thought id jump back in and give an update to where we are now... been a long process so far...

01/07/13 - AIP referred
02/07/13 - HTB app submitted
05/07/13 - HTB app approved
16/07/13 - Full application Submitted
18/07/13 - Woolwich require a letter confirming an old Loan was closed ** 2 weeks of chasing HSBC/Metropolitan to get the letter**
31/07/13 - Letter received and passed to Woolwich
06/08/13 - Valuation booked in 08/08/13
08/08/13 - Valuation completed
09/08/13 - Valuation report submitted - Same as purchase price!
13/08/13 - Woolwich requested Julys payslip and bank statement.... feeling this is because it has taken so long to progress!
22/08/13 - broker confirmed Woolwich have accepted just waiting on the conformation the offer has been sent
23/08/13 Offer received
September - 2 further offers issued as its a single application and my wife will be living with me
08/10/13 - Exchanged!

Completion date of the 29th Nov but the builder states it should be around mid-Nov!!

Badgerette27

AIP 1/10
Offer accepted 2/10
Full application 3/10
Survey 14/10
Mortgage offer via broker 21/10

just need the solicitors to pull their finger out now, they don't seem in any rush

davilown

Completed today, at our request. Nice simple process with the West Brom and their 'free legal' solicitors . Could have completed late sept but delayed as last mortgage payment to Santander was due.


Good luck to everyone else!

davilown wrote: »

Well, I'm going to join you all too!

Remortgaging from Santander (who would only offer 4.99% on a 2yr fix) to West Brom BS to a 5yr 3.39% fix at 80% ltv.

AIP 16 Aug
Full application and credit check approved 17 Aug

Waiting for long list of items beginning of next week, followed by the dreaded valuation to give us the 80% ltv.

Bit concerned with a few negative reviews online about the time they take to do things but we're not time dependent as current fix doesn't end till mid Oct.

As for MA, I went through a major one but could only come up with a mortgage costing £60pm extra plus £1000 fees, and solicitors and valuation fees. Went for a bit of online searching and this was one of the first to come up. Wondering if a 10yr I'd would have been a safer option

Hope everyone else's mortgages come through soon.

Zoetoes

03/07 - Right to buy accepted
05/08 - Council valuation
09/09 - Valuation and discount received
28/08 - Apllied via broker
13/09 - Accepted
08/10 - Valuation
16/10 - Received valuation report saying house unmortgageable due to not knowing the construction type and poor resaleability in the area (bloke is from Nottingham and knows nothing about the area)
17/10 - Complaint made re above with evidence of mortgaged properties in the road and sold properties
19/10 - Amended valuation received!
21/10 - Advised by broker that it is with the underwriters
23/10 - I'm not holding my breath!